Mr. Kevin Cardiff:

It would probably be difficult to quantify it but, yes, it must have because, remember, people ... if you had a one-month deposit with an Irish bank, at the beginning of September 2010, that one-month deposit was no longer guaranteed for the full term. If you had a three-month, then it was going to be unguaranteed for two months. So, I can't see how it would not have had some impact and, in that sense, I think, yes, it must have exacerbated the situation but I don't see how you could quantify it at this stage.